The loan interest rate of Handan provident fund is mainly related to the loan form and loan term. At present, Handan Housing Provident Fund Management Center has launched three common forms of personal housing loans: commercial loans, portfolio loans and provident fund loans. Among them, the provident fund loan refers to the housing loan in which qualified employees who have paid the housing provident fund apply within the prescribed time limit, and the housing provident fund management center passes the examination in accordance with relevant procedures, and the housing provident fund is directly credited to the lender's personal account. At present, the interest rate of Handan provident fund loan fluctuates within a certain range. The specific annual interest rates of loans are as follows: individual housing loans (up to 30 years), affordable housing loans (up to 20 years) and individual commercial loans (up to 5 years), with minimum annual interest rates of 3.25%, 3.75% and 4.5% respectively. In addition, the interest rates of different loan terms are also different. Generally speaking, the longer the loan term, the higher the interest rate. Please consult the local housing provident fund management center for specific interest rate details.
How to calculate the interest rate of Handan provident fund loan? Handan provident fund loan interest rate is determined by the loan form and term. Under normal circumstances, the housing provident fund management center will calculate the specific annual loan interest rate according to the borrower's specific situation and relevant policies and regulations. For more information, please consult the local housing provident fund management center.
The above is a brief introduction about the loan interest rate of Handan provident fund. As a lender, before applying for a loan, you must carefully check the materials to be submitted and understand the relevant fees and interest rates. At the same time, we should also plan our repayment ability reasonably to avoid financial risks caused by excessive loans.
Legal basis:
Article 12 of the Regulations on the Administration of Housing Provident Funds The interest rate of individual housing loans for housing provident funds shall be determined on the basis of the benchmark interest rate stipulated by the State Council, with the maximum not exceeding 1. 1 times of the benchmark interest rate.